To apply for individual housing provident fund loans in Shenzhen China Bank, after the employees prepare the application materials and submit them to the bank outlets, the accepting personnel will conduct a preliminary examination of the materials and make a decision on acceptance within 5 working days; The center shall review the application materials and make a decision on whether to approve or disapprove the loan within 5 working days after acceptance:
1) If the loan is issued, the employee and the bank shall handle the loan procedures such as signing the housing provident fund loan contract and guaranteeing it;
2) If the loan is not granted, the center will clearly inform the employees of the reasons for not granting the loan.
Employees can query the approval results through the online service hall-loan approval query module. Because there are differences in policies and requirements for individual housing provident fund loans in housing provident fund management centers around the country, you need to consult the provident fund loan business outlets in detail or consult the local provident fund management center.
The above contents are for your reference. Please refer to the actual business regulations.
How can I check whether my loan has been approved?
Go to the local people's bank to check personal credit information, and you will know where the loan bank is.
Personal credit information is recorded in the personal credit report, which mainly includes personal basic information and credit information (whether there are bank loans and credit card overdue overdraft records, etc.). ) and non-bank information (water, electricity and other public utilities payment information, tax arrears, civil judgments, etc. ).
Matters needing attention in personal credit investigation:
Article 1: Credit cards and loans shall not be overdue.
If the credit card is not repaid three times in a row (or six times in two years), or the overdraft consumption or mortgage loan is not repaid on time, it will leave a record in the personal credit report, which will affect the mortgage application. If you use a credit card, be sure to pay back on time. It is really impossible to repay in full. You should choose to pay by installment or pay the minimum repayment amount.
Article 2: The mortgage or car loan shall not be overdue or unpaid.
If you have a mortgage or car loan before, remember to repay it on time, otherwise the dishonesty of the old loan will definitely affect your subsequent application for other loans.
Article 3: Always pay attention to the loan interest rate and avoid overdue interest.
If the loan interest rate increases, the interest will increase, but the "monthly payment" will still be paid according to the original amount, which will lead to overdue interest.
Article 4: Try to avoid credit card activation and non-use.
Nowadays, many people have multiple credit cards, or because friends from the bank help offset their performance, they have handled some credit cards that are not commonly used and become "zombie credit cards". Although these credit cards are not used, they will generate annual fees and negative credit records. But many people don't understand this before handling it, so you must be careful when handling credit cards.
Article 5: Carefully provide guarantees for third parties.
As for the guarantee for others, we should be more careful. Don't vouch for others easily In case the other party has no money, you need to pay this bill back. If you have no money, it will be a stain on your credit.
Article 6: Remember to pay the water and electricity fee on time.
Now these fees are paid online, so once they are overdue, they will also leave a bad record of personal credit information. Everyone should pay regularly according to their usual water, electricity and gas consumption, and it is best to ensure that the account has a balance.
Article 7: Scholarship loans must be repaid in time.
There are indeed some people who have completed their studies with student loans because of family difficulties. No matter what reason you can't repay the student loan on time, once you have the ability, please give priority to paying off the student loan. After all, you are legally and morally in arrears with your students.
Article 8: The arrears of mobile phones may also become overdue.
In the past, you could buy some similar "five-yuan cards" without real-name registration system's use. Even if you owe money, you can just throw it away if you don't need it in the future. It doesn't matter if you don't pay it back. But later, the business hall was standardized. Mobile phone numbers are registered in real names, and most of them can be linked to bank cards. In this way, even if the card is not used, remember to make up the arrears. Otherwise, the overdue monthly fee will still affect your personal credit.
Article 9: Beware of arrears or fraudulent use of other people's ID cards.
Try not to get involved in the economy that owes money, but also be vigilant and protect your personal information from being stolen by criminals.
How to confirm that the loan has been approved before transfer?
1: loan approval letter from the bank. Every loan has a loan approval letter from the bank. As long as there is a loan approval letter, you can confirm that the loan has been approved. The loan approval letter has a paper version and an electronic version. Before the transfer, the owner can ask to see the loan approval letter.
2. The institution that directly handles the loan requires confirmation.
Special reminder: the loan approval letter is only the bank's confirmation that the loan can be issued to you, but the loan can only be issued after the buyer gives his house to the bank for mortgage. Therefore, as a seller, it is necessary to urge and remind the buyer to go to the bank for mortgage procedures as soon as he gets the house book, otherwise it will affect the loan collection.
Promotion information:
Buyers who borrow money to buy second-hand houses generally need to borrow money first, and then go through the transfer procedures, so both buyers and sellers are very concerned about whether the loan passes the examination and approval. There are three ways to check whether the loan has passed before the transfer: check the bank loan approval letter, call the bank loan customer service phone, and check the loan progress by mobile phone. Every mobile phone has a different query method. You can contact bank customer service or loan manager for specific methods. The following are the details:
1, look at the bank's appropriation letter. Every loan from the bank will have an approval letter. If you can see the approval letter from the bank, it means that the loan has passed the examination.
2. Telephone inquiry. We can directly call the bank's customer service hotline to check whether the loan has passed the audit;
3. Mobile banking inquiry: The borrower can log in to the mobile banking app of the loan bank, and then find his current loan application in the loan column to inquire about the loan status.
4. First of all, after the buyer determines the loan bank, he prepares the loan information and formally applies for a loan from the bank. He needs to fill out the application form for personal loan of second-hand housing and hand it over to the staff. The bank staff will make a preliminary evaluation of the materials provided by the borrower and give the approximate loan amount and term according to the evaluation results;
Inquiry method of loan approval progress Three inquiry methods of bank loan progress
Inquiring about the progress of loan approval is something that many loan friends want to do, so what are the methods to inquire about the progress of loan approval? How can I check the progress of loan approval? Let's summarize it for everyone.
First, the bank loan approval progress query method
1, online query
Applicants can go directly to official website, a loan bank, log in to personal online banking, and make inquiries according to the prompts after logging in.
2. Counter inquiry
Applicants can directly inquire in the business hall of the loan bank. When inquiring, the applicant needs to bring his personal ID card and loan bank card so that the staff can inquire for you.
3. Telephone enquiry
Applicants can directly call the customer service hotline of the loan bank, follow the voice prompts, and enter the relevant ID number for inquiry. Telephone inquiry is more convenient.
Second, the loan APP loan approval progress query method
The general loan APP has a special loan approval progress query column in the app interface, and the applicant can directly click to enter the query. In addition, the applicant can contact customer service directly, quote his name and ID card, and then ask about the progress of loan approval.
Three, provident fund loan approval progress query method
Applicants can log on to the sub-core website of the core state organs to check the progress of loan approval. The specific operation method is: log in to official website Provident Fund, enter "Personal Loan Inquiry" in the column of "Information Inquiry", enter employee account number, ID number, employee name, inquiry password and verification code, and click "Loan Application Inquiry" on the left side of the page. The first login password is set by yourself.
remind
When you apply for a loan, you should first understand the time needed to approve the mortgage, so as not to delay your arrangement because the approval time exceeds expectations. In addition, it takes different time to apply for a loan. When the loan institutions are in short supply, the bank will extend the loan approval time accordingly, and the loan approval progress will remain unchanged.
How to check whether the mortgage is approved? You can do this in these ways!
Although the mortgage is rising day by day, there are still many people who choose loans to buy houses, which can greatly reduce the pressure on funds and repayment. Many people don't know how to check the application progress and how to check the approval after applying for a mortgage. Let's briefly introduce it today.
1, for the sake of prudence
If you want to know the specific results of mortgage approval and other details, you can take your ID card to the personal loan department of the loan bank outlet. Now the services of banks and provident fund centers are very good. Not only can you use the machine for self-inquiry, but you will also arrange staff to provide consulting services.
When you go to the bank, you can also ask the credit manager about the loan situation, or you can ask the bank to help you print the repayment schedule within one year after the inquiry, so that you can clearly understand the loan situation within one year.
2. Online inquiry
For office workers, there is usually not much time, so you can choose the way of online inquiry. As long as online banking is opened, they can check the loan balance, approval progress and repayment details without leaving home.
3. Telephone enquiry
If you just want to know the progress of mortgage approval, you can call the customer service phone of the loan bank directly, but this way you can only get a single information of the loan balance, and you can't know the monthly repayment situation before and after.
In short, there is still a lot of work to be done after the mortgage is approved. After the loan is approved, the developer will inform you to get the purchase contract that has been registered with the real estate management department, because if the bank does not approve the loan, the developer will not register with the real estate management department with the signed purchase contract.
How do I know whether the loan audit of ICBC has passed?
Borrowers can check the progress of loan review through ICBC online banking or ICBC mobile banking. If the credit manager of ICBC doesn't inform himself that the loan review has failed, it proves that the loan is in the review stage. After the loan review fails, the credit manager of ICBC will inform the borrower as soon as possible.
The inquiry method of ICBC loan approval progress is as follows:
1. Log in to ICBC online banking, click Favorites, select a loan, then click My Loan, and then click the loan application result query, and follow the instructions on the page.
2. Log in to ICBC Mobile Banking, click Favorites, select a loan, then click "My Loan", then click to query the loan application result, and follow the prompts on the page.
After the borrower submits the loan application materials to the ICBC credit manager, the ICBC credit manager issues the preliminary examination opinions. If the credit manager of ICBC passes the borrower's loan application, the risk management review will continue; If the credit manager of ICBC fails to pass the borrower's loan application, he will inform the borrower of the reasons for the failure.
When conducting risk management review, the credit manager of ICBC submits the results of risk management review, preliminary examination opinions and loan application materials to the general manager of ICBC. Borrowers need to wait patiently.